2019 HRK to NZD Historical Review

YEARLY HIGH

0.2386 NZD

YEARLY LOW

0.2200 NZD

YEARLY AVERAGE

0.2291 NZD

2019 HRK to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the HRK to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on August 25, valuing the pair at 0.2386. Conversely, the yearly low was recorded on March 26, dropping to 0.2200.

This high-to-low spread represents a total annual volatility of 0.0187 NZD. From a start-to-finish perspective, comparing the January average rate of 0.2267 to the December average rate of 0.2262, the exchange rate registered a net change of -0.21% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2019 high of 0.2386 was down 1.08% compared to the 2018 peak of 0.2412, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 HRK based on timing:

Yearly Peak High 1,193 NZD

2018 Average 1,151 NZD

Yearly Trough Low 1,100 NZD

Transaction Impact: A difference of 93.40 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

0.2359

0.2215

JanuMarcMayJulySeptNove

HRK to NZD Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 0.2266, compared to 0.2315 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0049 points.

H1 Avg (Jan–Jun) 0.2266

H2 Avg (Jul–Dec) 0.2315

Volatility Range Comparison

Volatility

The most volatile month in 2019 was August, with a trading range of 0.0097 NZD (High: 0.2386 / Low: 0.2290). On the other end, November was the most stable month, with a tight range of 0.0038 NZD (High: 0.2343 / Low: 0.2305).

August Spread (Volatile) ±0.0097

November Spread (Stable) ±0.0038

Growth Streaks & Declines

Trends

Between March and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.0061 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0061

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2019: 0.2340) against the same month in 2018 (average: 0.2332), the exchange rate shifted by +0.0008 (+0.36%).

2019 Avg (August) 0.2340

2018 Avg (August) 0.2332

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2305	0.2230	0.2267
February	0.2270	0.2220	0.2240
March	0.2253	0.2200	0.2227
April	0.2278	0.2222	0.2252
May	0.2312	0.2274	0.2298
June	0.2341	0.2284	0.2311
July	0.2296	0.2248	0.2273
August	0.2386	0.2290	0.2340
September	0.2379	0.2318	0.2347
October	0.2369	0.2330	0.2346
November	0.2343	0.2305	0.2323
December	0.2303	0.2232	0.2262